MODULE 01
Risk Scoring
Supplier Risk-Scoring Engine
Fingerprints every supplier's payment behaviour, price drift and reliability to surface the ones quietly draining cash before the invoice lands.
SupplierIQ is a UK financial-risk platform that connects your payables, receivables and invoices into a single forward-looking view — flagging supplier risk, upcoming collisions and hidden billing errors while there is still time to act.
Most SMEs don't fail from lack of customers — they fail because money leaves the business before it arrives. SupplierIQ turns that noise into early, actionable signal.
SupplierIQ links payables, receivables and invoices into a single forward-looking loop — diagnosing risk before it erodes margin, not after.
Fingerprints every supplier's payment behaviour, price drift and reliability to surface the ones quietly draining cash before the invoice lands.
Simulates upcoming payables against expected receivables and flags the exact days your account is projected to dip below safe operating cash.
Detects duplicate charges, silent price increases, contract mismatches and out-of-band billing patterns across your entire invoice history.
Every alert answers a single question — what should the owner do, and why. No dashboards to decode, just the next best action.
Packages your true cash position and supplier profile into a credible, evidence-backed narrative when you approach lenders for finance.
One-click connections to Xero, QuickBooks, Sage and bank feeds. No hardware, no re-keying — SupplierIQ runs on the ledgers you already keep.
Accounting tells you what already happened. SupplierIQ flags the risk while there's still time to act.
Built around HMRC, Xero, QuickBooks and Sage — the tools UK owner-managers already use every day.
Proprietary supplier risk-scoring, collision forecasts and invoice-behaviour models — with a completed novelty search.
Every output answers one question: what should I do, and why. No dashboards to decode.
Designed for the SME with a spreadsheet and ten minutes, not the enterprise finance team.
Turn your true cash position into a credible narrative when it's time to raise finance.
SupplierIQ is a proprietary software product — not a consultancy — that aggregates and links every SME's payables, receivables and invoice behaviour into a single forward-looking view of financial risk. Where accounting stops at recording, we begin at recommending: which supplier is quietly draining cash, which invoice contains a hidden error, and what the owner should do about it, today.
Give small businesses the same forward-looking risk intelligence that only large enterprises can currently afford.
Become the standard tool owners and their accountants rely on to see liquidity risk before it arrives — and the trusted bridge to the lenders who fund them.
Charanjeet Kaur brings deep experience across finance training, distribution and bookkeeping — the exact operational reality SupplierIQ is designed for. That first-hand exposure to how invoices, supplier terms and payment timing actually behave inside a small business is what shapes the product's decision-first logic, not theoretical financial modelling.
The founder and a technical contractor build the MVP while converting a warm pilot of 50 UK SMEs — of whom 82% signalled adoption — into the first paying customers. Revenue begins in Month 7 and reaches £31,621 across the part-year; operating cash flow turns positive in Month 12.
The team grows to handle onboarding, product and support. Revenue scales to £275,518 and the business becomes profitable with £22,586 in net profit. Deeper integrations across Xero, QuickBooks, Sage and open banking widen distribution.
Revenue climbs to £666,599 with net profit of £73,246. The team grows to eleven people, the recommendation layer matures, and the business begins expanding overseas into markets facing the same late-payment problem.
Growth from £31,621 in Y1 → £275,518 in Y2 → £666,599 in Y3 on the base case.
Founder-led in Year 1, scaling to eleven technical, product and commercial roles.
Funded entirely by a single founder-equity injection — no external raise needed.
The UK is Europe's largest fintech ecosystem, and cash-flow risk is the single most cited operational pain across its 5.5 million small businesses. Late payments alone cost the economy £11bn a year and cause the collapse of around 38 businesses every day — a validated, quantifiable market SupplierIQ is purpose-built to address.
| Capability | Xero / QuickBooks | Fathom / Float | Bank cash apps | SupplierIQ |
|---|---|---|---|---|
| Real-time cash-flow collision forecast | — | — | — | Yes |
| Supplier-level risk scoring | — | — | Limited | Yes |
| Invoice anomaly & duplicate detection | Manual | Manual | — | Yes |
| Decision-first recommendation layer | — | — | — | Yes |
| UK-SME-first pricing & onboarding | — | — | Moderate | Yes |
| Lender-ready financial narrative | — | — | — | Yes |
Simple monthly pricing built for the UK SME economy — from a first weekly outlook to full multi-entity foresight and lender-ready reporting.
For sole traders and micro-businesses starting to get a grip on cash.
Full forward-looking risk view for growing owner-managed businesses.
Multi-entity teams preparing to raise finance or scale supply base.
Onboarding & data mapping from £250 one-time · Custom lender report packs from £150 per report.
Whether you're a sole trader wrestling with a spreadsheet or a multi-entity operator preparing to raise finance, our team will walk you through how SupplierIQ fits your ledger.